the completion of the Company’s Acquisition of Targeted Lending. At the time of the Original Report, the Company had concluded, based on its application of the significance tests under Rule 1-02(w) and Rule 3-05 of Regulation S-X, that the Acquisition was not significant, and the Original Report accordingly did not disclose that the financial statements or pro forma financial information required under Items 9.01(a) and 9.01(b), respectively, of Form 8-K would be filed in an amendment to the…

Results of Operations and Financial Condition On July 30, 2026, Pioneer Bancorp, Inc. issued an earnings release announcing its financial results at or for the three and six months ended June 30, 2026. A copy of the earnings release is included as Exhibit 99.1 to this report. The information in the preceding paragraph, as well as Exhibit 99.1 referenced therein, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or o…

Other Events On July 29, 2026, Pioneer Bancorp, Inc. (“Pioneer”), a leading financial institution in New York’s Capital Region, announced it has acquired The College Advisor of New York, a specialized firm that helps families navigate the college search and admissions process with personalized guidance, hands‑on support, and assistance identifying colleges that are the right academic, personal, and financial fit. Dr. Dean Skarlis, founder and president of The College Advisor of New York, will…

Director — Michael T. Keegan: Mr. Keegan was appointed to the Board of Directors and is expected to be a valuable addition due to his extensive banking experience.

Results of Operations and Financial Condition On April 30, 2026, Pioneer Bancorp, Inc. issued an earnings release announcing its financial results at or for the three months ended March 31, 2026. A copy of the earnings release is included as Exhibit 99.1 to this report. The information in the preceding paragraph, as well as Exhibit 99.1 referenced therein, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwi…

Completion of Acquisition or Disposition of Assets On April 24, 2026, Pioneer Bank, National Association (“Pioneer” or the “Company”), through its wholly owned subsidiary, Targeted Lending Holdings, LLC (the “Purchaser”), completed the acquisition of 100% of the issued and outstanding membership interests (the “Purchased Interests”) of Targeted Lending Co., LLC, a Delaware limited liability company (“Targeted Lending”), pursuant to an Equity Purchase Agreement, dated as of April 24, 2026 (the…

Results of Operations and Financial Condition On January 30, 2026, Pioneer Bancorp, Inc. issued an earnings release announcing its financial results at or for the three months and year ended December 31, 2025. A copy of the earnings release is included as Exhibit 99.1 to this report. The information in the preceding paragraph, as well as Exhibit 99.1 referenced therein, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act…

The filing describes a new compensatory incentive plan for executives.

Other Events On December 17, 2025, Pioneer Bancorp, Inc. (“Pioneer”) , a leading financial institution in New York’s Capital Region, announced it has adopted a new stock repurchase program. Under the repurchase program, Pioneer may repurchase up to 5% of its outstanding common stock, or 1,254,027 shares of its common stock . This is Pioneer’s second stock repurchase program since completing its mutual holding company reorganization and related stock offering. Pioneer has also completed its in…

Results of Operations and Financial Condition On October 30, 2025, Pioneer Bancorp, Inc. issued an earnings release announcing its financial results at or for the three and nine months ended September 30, 2025. A copy of the earnings release is included as Exhibit 99.1 to this report. The information in the preceding paragraph, as well as Exhibit 99.1 referenced therein, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Ac…

Results of Operations and Financial Condition On July 30, 2025, Pioneer Bancorp, Inc. issued an earnings release announcing its financial results at or for the three and six months ended June 30, 2025. A copy of the earnings release is included as Exhibit 99.1 to this report. The information in the preceding paragraph, as well as Exhibit 99.1 referenced therein, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or o…

Results of Operations and Financial Condition On April 30, 2025, Pioneer Bancorp, Inc. issued an earnings release announcing its financial results at or for the three months ended March 31, 2025. A copy of the earnings release is included as Exhibit 99.1 to this report. The information in the preceding paragraph, as well as Exhibit 99.1 referenced therein, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwi…

Results of Operations and Financial Condition On January 30, 2025, Pioneer Bancorp, Inc. issued an earnings release announcing its financial results at or for the three and six months ended December 31, 2024. A copy of the earnings release is included as Exhibit 99.1 to this report. The information in the preceding paragraph, as well as Exhibit 99.1 referenced therein, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”…

Results of Operations and Financial Condition On October 30, 2024, Pioneer Bancorp, Inc. issued an earnings release announcing its financial results at or for the three months ended September 30, 2024. A copy of the earnings release is included as Exhibit 99.1 to this report. The information in the preceding paragraph, as well as Exhibit 99.1 referenced therein, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or o…

Results of Operations and Financial Condition On July 31, 2024, Pioneer Bancorp, Inc. issued an earnings release announcing its financial results at or for the three months and fiscal year ended June 30, 2024. A copy of the earnings release is included as Exhibit 99.1 to this report. The information in the preceding paragraph, as well as Exhibit 99.1 referenced therein, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act…

Director — Charles Seifer, PH.D.: Dr. Seifert was appointed to the Board of Directors and is expected to join multiple committees.

Other Events On May 21, 2024, Pioneer Bancorp, Inc. (the “Company”) announced it has adopted a stock repurchase program. Under the repurchase program, the Company may repurchase up to 1,298,883 shares of its common stock, or approximately 5.0% of the current outstanding shares. Shares may be repurchased in open market or private transactions, through block trades, or pursuant to any trading plan that may be adopted in accordance with Rule 10b5-1 of the Securities and Exchange Commission (the…

Results of Operations and Financial Condition On May 1, 2024, Pioneer Bancorp, Inc. issued an earnings release announcing its financial results at or for the three and nine months ended March 31, 2024. A copy of the earnings release is included as Exhibit 99.1 to this report. The information in the preceding paragraph, as well as Exhibit 99.1 referenced therein, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or o…

Other Events On April 1, 2024, Pioneer Bank (the “Bank”), the wholly owned subsidiary of Pioneer Bancorp, Inc., completed its conversion to a national bank following approval of the conversion by the Office of the Comptroller of the Currency (the “OCC”), the regulator of national banks. Following the completion of the conversion, the Bank will now operate under the name “Pioneer Bank, National Association” and be subject to the supervision, regulation and examination by the OCC. The Bank will…

Results of Operations and Financial Condition On February 7, 2024, Pioneer Bancorp, Inc. issued an earnings release announcing its financial results at or for the three and six months ended December 31, 2023. A copy of the earnings release is included as Exhibit 99.1 to this report. The information in the preceding paragraph, as well as Exhibit 99.1 referenced therein, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”…

– Other Events On December 28, 2023, Pioneer Bancorp, Inc. (“Pioneer”) completed a balance sheet repositioning, by selling approximately $74.5 million of lower-yielding available-for-sale securities with an average book yield of approximately 0.83% and weighted average remaining life of 2.2 years, recognizing an estimated pre-tax loss on the sale of approximately $5.6 million. Proceeds from the sale have been redeployed into interest-earning deposits with banks with an estimated average book…

Entry into a Material Definitive Agreement As previously disclosed, on December 1, 2020, Pioneer Bank (the “Bank”), the wholly owned subsidiary of Pioneer Bancorp, Inc. (the “Company”) filed a complaint in the Supreme Court of the State of New York (the “Action”) against Teal, Becker & Chiaramonte, CPAs, P.C. (“TBC”), Mr. Pasquale M. Scisci and Mr. Vincent Commisso (collectively, with TBC, the “TBC Parties”), alleging professional malpractice by the TBC Parties in auditing the annual consolid…

Director — Donald E. Fane: Mr. Fane resigned from the Board of Directors without citing any disagreements.

Results of Operations and Financial Condition On November 6, 2023, Pioneer Bancorp, Inc. issued an earnings release announcing its financial results at or for the three months ended September 30, 2023. A copy of the earnings release is included as Exhibit 99.1 to this report. The information in the preceding paragraph, as well as Exhibit 99.1 referenced therein, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or o…

Results of Operations and Financial Condition On August 16, 2023, Pioneer Bancorp, Inc. issued an earnings release announcing its financial results at or for the three months and fiscal year ended June 30, 2023. A copy of the earnings release is included as Exhibit 99.1 to this report. The information in the preceding paragraph, as well as Exhibit 99.1 referenced therein, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange A…